{\footnotesize \begin{tabular}{l c c c c c c c} \hline \toprule         & \multicolumn{3}{c}{\textbf{1-4 Quarters After Filing}}         & & \multicolumn{3}{c}{\textbf{5-8 Quarters After Filing}} \\
\cmidrule{2-4} \cmidrule{6-8}
& $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV         & & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & OLS & IV \\
& (1) & (2) & (3) & & (4) & (5) & (6) \\
\cline{2-4} \cline{6-8}
& & & & & & & \\
\textbf{Any payday inquiry $\times 100$:}                & 11.70                & -0.04               & 0.79                                                         & & 11.57              & -0.19               & 0.98 \\
& (32.14)              & (0.23)               & (3.64)                                                         & & (31.98)    & (0.20)               & (3.21) \\
& \multicolumn{3}{r}{[75,608]}                                & & \multicolumn{3}{r}{[91,571]} \\
\textit{By Group}        & & & & & & & \\
~~~Female                        & 12.14                & 0.12               & 5.92                                                         & & 12.05              & -0.23               & 5.64 \\
& (32.66)              & (0.32)               & (4.18)                                                         & & (32.56)    & (0.27)               & (4.48) \\
\midrule
& & & & & & & \\
\textbf{Number of payday inquiries:}             & 0.606                & 0.014               & 0.158                                                         & & 0.594              & -0.001               & 0.495 \\
& (3.495)              & (0.025)               & (0.399)                                                         & & (3.505)    & (0.024)               & (0.378) \\
\textit{By Group}        & & & & & & & \\
~~~Female                        & 0.636                & 0.055               & 0.525                                                         & & 0.637              & 0.010               & 0.545 \\
& (3.448)              & (0.037)               & (0.484)                                                         & & (3.609)    & (0.030)               & (0.578) \\
\midrule
& & & & & & & \\
\textbf{Any payday loan $\times 100$:}           & 1.382                & -0.297***               & 1.221                                                         & & 1.509              & -0.344***               & -1.073 \\
& (11.676)              & (0.074)               & (1.166)                                                         & & (12.193)    & (0.062)               & (1.505) \\
& \multicolumn{3}{r}{[99,570]}                                & & \multicolumn{3}{r}{[115,404]} \\
\textit{By Group}        & & & & & & & \\
~~~Female                        & 1.448                & -0.261***               & 3.837**                                                         & & 1.559              & -0.336***               & 1.805 \\
& (11.947)              & (0.093)               & (1.624)                                                         & & (12.388)    & (0.089)               & (1.667) \\
\midrule
& & & & & & & \\
\textbf{Number of payday loans:}                 & 0.021                & -0.004***               & 0.010                                                         & & 0.025              & -0.006***               & -0.016 \\
& (0.223)              & (0.001)               & (0.023)                                                         & & (0.263)    & (0.001)               & (0.032) \\
\textit{By Group}        & & & & & & & \\
~~~Female                        & 0.022                & -0.004**               & 0.059**                                                         & & 0.027              & -0.007***               & 0.023 \\
& (0.230)              & (0.002)               & (0.026)                                                         & & (0.273)    & (0.002)               & (0.035) \\
\bottomrule \\
\end{tabular} }
